I handle joint internet banking for myself and my husband. Our online account happens to have been created using my husband's personal details.
While logged in under this account (as usual) I attempted to open an ISA in my name. Despite entering all my personal details, the ISA was nonetheless created in my husband's name.
Before realizing this, I deposited the maximum yearly amount. Because my husband already has a Stocks & Shares ISA in his name (to which we contribute a small amount each month), he has now effectively over-contributed for this year.
What happens now?